Mobile Money Interoperability in Kenya Goes Live


Mobile Money interoperability has officially kicked off in Kenya starting with Airtel Money and M-Pesa, a move that has been welcomed by the Central Bank of Kenya. Customers will be able to transfer funds across networks in real time, at low cost, and in a secure environment.

The benefits of “wallet-to-wallet” interoperability to customers will be immediate and significant.

Customers wishing to transfer money across networks will avoid the cost and inconvenience of needing to reload or withdraw money through network agents. Customers’ mobile wallets will reflect funds immediately these are received, regardless of the network from which these funds are sent. Customers will also be able to withdraw the money in their wallets from the agents on their network, as is currently.

The service is accessible via USSD and it’s not embedded within the SIM ToolKit thus sending money from M-Pesa to Airtel Money will require you to remember some certain codes.

To send money from Airtel Money to M-Pesa:

  • Dial *222*1#
  • Select Language
  • Select option 1 – Send money
  • Select option 2 – Send money to Mpesa
  • Enter recipient’s number
  • Enter PIN when prompted

To send money from M-Pesa to Airtel Money:

  • Dial *234#
  • Select option 1 – Mpesa products
  • Select 98 – More Services
  • Select option 8 – Tuma Pesa popote
  • Enter recipients number
  • Enter PIN when prompted

Interoperability is a significant milestone for Kenya’s mobile money. It will play an important role in enhancing the usage of mobile money services, thereby deepening financial access.

Mobile money subscriber accounts have grown to 37.8 million in January 2018.  Mobile money transactions in January 2018 were valued at Ksh.323.0billion in1.4billion transactions.


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